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Select from hundreds of loan products tailored to your needs

Lara Rinier

Loan Officer

5113 Southwest Parkway, Suite 195, Austin, TX 78735
Own what matters

About Me

I provide my clients, buyers agents, and builders personalized one-on-one services, making the mortgage process smooth and stress-free. I believe in working directly with my clients and referral partners to build long-lasting relationships, based on respect, loyalty, and trust. Client satisfaction is my absolute top priority. I close loans anywhere in Oregon, Texas, and Washington State. Helping a wide variety of borrowers, including first-time homebuyers, military families, and rural residents. 

On a personal note, I was raised in Northeast Texas and moved to Austin in 1998. I spent 3 years in beautiful Bend, Oregon and back to Texas. I live on a farm where we raise steer, sheep, pigs, and chicken. I love to mountain bike, hike, swim and play the guitar.  

I enjoy helping people navigate through the process of buying a home. I will be here every step of the way!

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Philip K
Jun 07, 2023
Verified

Fantastic mortgage broker. I won’t be dealing with anyone else!
Philip
Jun 07, 2023
Verified

Lara and her team were fantastic! Always on top of everything and constantly notifying me of any issues that needed resolution. She pushed underwriting hard and we signed a week before closing to meet my schedule needs. I wouldn’t be a proud new homeowner without her amazing help.
Marty
Feb 14, 2023
Verified

Lara was professional communicative and patient - a delight to work with! We would recommend her without hesitation to others.April 11 2021
Clint
Feb 14, 2023
Verified

Lara was professional and always available when I needed any questions answered. I would highly recommend using her and plan on coming back for my next home purchase. Thank you for the outstanding work A++. October 20 2021
Jocelyn
Feb 14, 2023
Verified

Lara was extremely professional compassionate and very organized. She went above and beyond and got me a great rate. Anytime I called Lara she knew where the loan process stood. I have nothing but praise for her. She will do well in this career! I highly recommend her.
Al
Feb 14, 2023
Verified

Thank you very much for everything you did for me. Everything went well. You did an excellent job and I appreciate it very much. I now have a new mortgage which will save lots of money and it all went very smoothly because of your expertise and efficiency. I am very grateful. I hope you have a wonderful spring and summer and enjoy some good mountain biking. Maybe I will see you on the trails. March 26 2021

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NMLS ID #2067546
I am authorized to do business in the states of Oregon, Texas and Washington. OR ML-176;

Attn: Texas Applicants:
Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department’s website at www.sml.texas.gov.